Liability Guide. Version commercialexpress.co.uk
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1 Liability Guide. Version commercialexpress.co.uk
2 Welcome to the Commercial Express Liability Guide. Covering small to large businesses, land owners, hobby enthusiasts, market traders, contract cleaners and contractors, our range of liability schemes is designed to make sure your clients are protected when the unforeseen happens. Contents Our Team 3/ Liability (Per Capita) 4/ Liability (Wages & Turnover) 5/ Land Liability 6/ Market Traders 7/ Hobby & Club 8/ Contract Cleaners 9/ Contractors All Risk 10/
3 Our Team. Siobhan Ellis Senior Liability Underwriter Siobhan has over a decade of experience in the industry, underwriting for Property, Liability and Contractors All Risk policies. Previously working at Aviva and RSA, Siobhan specialises in all of our Liability schemes. sellis@commercialexpress.co.uk Camille Le Long Liability Underwriter Camille has over 7 years experience in commercial insurance. Her expertise in constructions and higher risk trades liabilities insurance makes her an integral part of the Liability underwriting team. clelong@commercialexpress.co.uk Helen Bingham Liability Underwriter Helen has over 22 years experience in the insurance industry with over 15 being in Liability Insurance, previously working at Footman James and Aviva. Helen loves building relationships with agents on a daily basis and working as part of a very experienced team. She prides herself on being able to deliver quick solutions for our agents. hbingham@commercialexpress.co.uk To speak to our team call
4 Liability (Per Capita) Liability (Per Capita) is quickly becoming one of the strongest liability schemes for small businesses in the market. Get great protection for your clients with our Liability (Per Capita) Policy. Liability (Per Capita) provides the ideal cover for small businesses in over 300 trades with up to 10 employees. Public & Products Liability available up to 10,000,000* Quick Quote facility for instant premium indications No minimum time on risk Bona Fide Sub Contractors included FREE of charge** Optional Extensions Employers Liability cover up to 10,000,000 Up to 25% Republic of Ireland work subject to UK jurisdiction Tools and Stock cover available in isolation or as an extension to the scheme Products Liability, anywhere in the world (other than USA/Canada) Indemnity to other persons including Directors, Employees and Principals as standard Includes cover for Cross Liabilities Defence costs for breaches or alleged breaches of Part 1 of the United Kingdom Health & Safety at Work Act 1974 and any offence under Part II of the Consumer Protection Act 1987 and/or Part II of the Food Safety Act 1990 included subject to the underwriters providing consent Includes Compensation for Court Attendance Cover for claimants costs, fees and expenses following a sudden, identifiable, unintended and unexpected pollution incident occurring in its entirety at a specific time and place Includes Motor contingent liability *Excluding use of heat ** For annual payments up to 100,000 4
5 Liability (Wages & Turnover) With no limit on the number of employees or turnover and including Bona Fide Sub Contractors free of charge*, this scheme provides cover for over 250 trades. Protect your clients with Liability (Wages & Turnover). This facility provides the policyholder with a fully flexible policy that has no restriction on the size of the business. Public & Products Liability up to 10,000,000* No limit on the number of employees or turnover Bona Fide Sub Contractors included FREE of charge** Clerical employees included FREE of charge if non clerical occupation Optional Extensions Employers Liability cover available up to 10,000,000 Up to 25% Republic of Ireland work subject to UK jurisdiction Contractors All Risk Products Liability, anywhere in the world (other than USA/Canada) Indemnity to other persons including Directors, Employees and Principals as standard Includes cover for Cross Liabilities Defence costs for breaches or alleged breaches of Part 1 of the United Kingdom Health & Safety at Work Act 1974 and any offence under Part II of the Consumer Protection Act 1987 and/or Part II of the Food Safety Act 1990 included subject to the underwriters providing consent Includes Compensation for Court Attendance Cover for claimants costs, fees and expenses following a sudden, identifiable, unintended and unexpected pollution incident occurring in its entirety at a specific time and place Includes Motor contingent liability *Excluding use of heat ** For annual payments up to 100,000 5
6 Land Liability This caters for land including fields, private roads, moorlands, pastures, woodland and development land. Get the right protection with our Land Liability Policy.* Exclusively designed to cover your policyholder s legal liability for injury to third parties due to negligence in connection with the ownership of the land. Land Liability Rating Guide shown on back cover. Land Owners Liability available up to 5,000,000 Can accommodate plots of land which contain water courses Wide variety of trades accepted including development sites and private roads Includes cover for Cross Liabilities Includes Compensation for Court Attendance Cover for claimants costs, fees and expenses following a sudden, identifiable, unintended and unexpected pollution incident occurring in its entirety at a specific time and place Optional Extensions Property Owners Liability for unoccupied buildings on the land *Does not include commercially-used land 6
7 Market Traders Designed specifically for both indoor and outdoor market traders, selling is easy with our Market Traders Policy. Offering heavily discounted liability premiums, and covering over 130 different trades, our Market Traders Policy keeps everyone happy and satisfied. Public / Products Liability cover available up to 5,000,000 Optional Extensions Employers Liability up to 10,000,000 Ancillary online sales Up to 25% Republic of Ireland work subject to UK jurisdiction Products Liability, anywhere in the world (other than USA/Canada) Worldwide cover for non-manual employees normally resident in the UK who are temporarily working overseas Indemnity to principal as standard Includes cover for Cross Liabilities Liability cover in respect of the Defective Premises Act Data Protection Act 1998 Defence Costs Liability cover for leased or rented premises Defence costs up to 50,000 any one occurrence of any prosecution or incurred in connection with appeal against conviction arising from Health and Safety at Work Act 1974 or the Health and Safety at Work (Northern Ireland) Order 1978 or the Corporate Manslaughter and Corporate Homicide Act 2007 and criminal proceedings brought for a breach of Part II of the Consumer Protection Act 1987 and Sections 7 and 8 of the Food Safety Act 1990 subject to the underwriters providing consent Includes Compensation for Court Attendance Unsatisfied Court Judgements Motor Contingent liability 7
8 Hobby & Club Specialist liability cover for organisations where members meet to discuss and/or participate in activities related to the club type*. Get the specialist cover your client needs with our Hobby & Club Policy. As the facility covers up to 250 members for Employers Liability, Public and Products Liability 5m limit of indemnity, and the policy automatically includes member-tomember cover. Public & Products Liability up to 10,000,000 Employers Liability 10,000,000 Member to member cover included Includes Professional Indemnity up to 25,000 for most types of club Optional Extensions Material Damage available offering cover for up to 5,000 worth of items owned by the club anywhere in the world Worldwide cover for non-manual employees normally resident in the UK who are temporarily working overseas Indemnity to other persons including Directors, Employees and Principals as standard Includes cover for Cross Liabilities Defective Premises Act 1972 Data Protection Act 1998 Defence Costs up to 100,000 any one claim Includes cover for Wrongful Arrest Defence Costs in respect of the Consumer Protection Act 1987, Food Safety Act 1990, Health and Safety at Work and Corporate Manslaughter with Insurers consent Includes Compensation for Court Attendance Unsatisfied Court Judgements Cover for claimants costs, fees and expenses following a sudden, identifiable, unintended and unexpected pollution incident occurring in its entirety at a specific time and place Motor Contingent liability *Does not include sports clubs 8
9 Contract Cleaners Liability cover and extensions for a wide variety of trades including carpet & upholstery, contract cleaners, motor and domestic window cleaners. Choose from a range of covers with our Contract Cleaners Policy. Provides tailored cover for cleaning companies including Treatment Cover and Misuse of Telephones as standard. Public & Products Liability cover available up to 5,000,000 Employers Liability up to 10,000,000 Turnover rated and no limit on the number of employees Treatment cover up to 30,000 FREE of charge Misuse of telephones up to 5,000 FREE of charge Bona Fide Sub Contractors included FREE of charge Optional extensions Financial Loss available up to 30,000 Lock and/or Key Replacement available up to 30,000 Business Equipment & Stock cover can be added Up to 25% Republic of Ireland work subject to UK jurisdiction Worldwide cover for non-manual employees normally resident in the UK who are temporarily working overseas Indemnity to principal as standard Includes cover for Cross Liabilities Liability cover in respect of the Defective Premises Act Data Protection Act 1998 Defence Costs Liability cover for leased or rented premises Defence costs up to 50,000 any one occurrence of any prosecution or incurred in connection with appeal against conviction arising from Health and Safety at Work Act 1974 or the Health and Safety at Work (Northern Ireland) Order 1978 or the Corporate Manslaughter and Corporate Homicide Act 2007 and criminal proceedings brought for a breach of Part II of the Consumer Protection Act 1987 and Sections 7 and 8 of the Food Safety Act 1990 subject to the underwriters providing consent Includes Compensation for Court Attendance Unsatisfied Court Judgements Motor Contingent liability A Contract Cleaners Rating Guide can be downloaded from the Quick Quote page of our website. 9
10 Contractors All Risk Contractors All Risk is available as a section extension under the Liability (Wages & Turnover) scheme or as a stand-alone product under the Liability heading when using the online system. The Contractors All Risk product is available under the Liability tab. For small to medium sized contractors, cover for Contract Works, Owned Plant, Hired in Plant and Employees Tools & Personal Effects, your clients are covered with our Contractors All Risk Policy. Designed to provide protection for works during the contract period and benefiting from a contract limit up to 1,500,000 our Contractors All Risk Policy gives you the tools to protect your client s investment. Contract Works available in isolation Contract Limit available up to 1,500,000 Optional Extensions Owned Plant available on an All Risks basis Hired in Plant available on an All Risks basis Employees Tools & Personal Effects used on site/adjacent to the site Free issue materials for which the insured is responsible for Contract Works on or adjacent to the site of any Contract and whilst in Transit covered on an All Risks basis up to handover and 14 days thereafter where required by Contract 180 days additional cover beyond completion for private dwelling houses 12 month maintenance period for visits and defects liability Automatic cover for show houses and contents* Automatic cover for dismantling, demolition, removal of debris and clearing of drains Automatic cover for professional fees. Covers clerical costs for rewriting plans, drawings or other contract documents if damaged up to 25,000 Covers continuing hiring charges for which you are liable following an incident. Legal expenses cover for Hired in Plant, provided we have consented in writing *Subject to a limit of 50,000 for contents of any one show house 10
11 Your Helpful Insurance Partner. Commercial Express is a market leading Managing General Agent, offering insurance intermediaries access to a range of insurance solutions designed to meet the needs of their clients. We offer a wide and flexible product range at competitive prices. We aim to set a new benchmark for service, in order to become one of the most respected brands in the industry, and known and trusted by the end consumer. We offer the best solutions and service possible, making us the smart choice and first choice for our customers
12 Your Helpful Insurance Partner. Land Liability Rating Guide *. Grazing Land, Moorland, Woodland & Pasture Land Land Size 1m LOI 2m LOI 5m LOI up to 5 Acres up to 10 Acres up to 20 Acres up to 45 Acres over 45 acres Refers Refers Refers Development Site, Private Road Land Size 1m LOI 2m LOI 5m LOI up to 5 Acres up to 10 Acres up to 20 Acres up to 45 Acres over 45 acres Refers Refers Refers Rough Country Land Size 1m LOI 2m LOI 5m LOI up to 5 Acres up to 10 Acres up to 20 Acres up to 45 Acres over 45 acres Refers Refers Refers Self Build Land Size 1m LOI 2m LOI 5m LOI up to 5 Acres up to 10 Acres up to 20 Acres up to 45 Acres over 45 acres Refers Refers Refers The premium shown are an indication only. A full quote will need to be done for full policy terms as underwriting factors may affect premium and terms. All premiums are rounded up to the nearest and are inclusive of IPT & Fee. * 30% loading applies in Northern Ireland. B1 Custom House The Waterfront Level Street Brierley Hill DY5 1XH commercialexpress.co.uk hello@commercialexpress.co.uk
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